Investment Bonds

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Investment Opportunities > Managed Funds > Investment Bonds

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Investment bonds – also known as insurance bonds – are long-term tax paid investments. Investment bonds have a minimum term of 10 years, but this can be extended at any time to a maximum of 40 years, without forfeiting the right to withdraw the investment at any time. Earnings are taxed at a fund manager level, at a maximum rate of 30%, and provided the investment is held for at least 10 years, no additional tax is payable by the investor. This makes investment bonds a tax-effective investment strategy – especially for those with a high marginal tax rate of up to 46.5% (including the Medicare levy of 1.5%) – and simple too – unless the investment is withdrawn within 10 years investors are not required to report earnings in their annual tax return.

2020 DIRECTINVEST will rebate 100% of the entry fee on investment bonds in Australia – a saving of up to 4%. For independent star ratings and performance on investment bond funds, please visit Find a Fund. If you are interesed in investing in an investment bond that is not featured on this page, please contact us.

Fund Name	Fee Rebate	Initial Investment	Expected Close Date
CommInsure Investment Growth Bond	4.0% (100%)	$1,000	Ongoing
ING Investment Savings Bond	4.0% (100%)	$2,500	Ongoing
IOOF WealthBuilder	3.0% (100%)	$2,000	Ongoing
KeyInvest Life Events Bond	4.0% (100%)	$2,000	Ongoing
Lifeplan Education Investment Fund	4.0% (100%)	$1,000	Ongoing
Lifeplan NextGen Investments	4.0% (100%)	$1,000	Ongoing
OFM Flexible Investment Bonds	3.0% (100%)	$500	Ongoing

More information on investment bonds and insurance bonds, including the tax treatment of withdrawals made within 10 years of the initial investment and the 125% rule for making additional investments, as well as estate planning and investing for children.

More information on education savings plans, including the tax advantages of using education savings plans to save for the education of children, what is considered an eligible education expense, and who is eligible to make contributions.

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